You used Charles Napier as an interesting example of the compensations for wounds received. It is a bit confusing. The actual difference between 'blood money' for wounds, special compensation such as work positions, and pensions isn't clear. The Returns printed up by Naval and Military books shows Charles Napier receiving a pension of 300 pounds in 1811 for wounds received at Busaco and Corunna. That is in the middle of the events you describe where he receives blood money and holds a job as compensation for his wounds. Even though this is actually in the middle of his career as an officer and nowhere does it say he resigned.